Mortgage Rates

Review current Vermont and New Hampshire mortgage rates. We update our interest rates regularly to give you the most current rates. Should you have any questions about rates or home loan types, our local mortgage experts are always ready to help.

B.U.I.L.D. Construction Loan

(1) Interest only payments are required monthly based on the amount of the loan outstanding during the prior month.

Home Equity Loans for Primary and Secondary Residences

Loan type and Term

Rate (%)1

Points (%)

APR (%)*

Payment per $1000**

15 Year Fixed Rate

5.990

0

6.006

$8.43

10 Year Fixed Rate

5.750

0

5.772

$10.98

5 Year Fixed Rate

5.500

0

5.541

$19.11

(1) 0.25% reduction in rate with UB auto pay

Encore Home Equity Line of Credit for Primary Residences

Loan type and Term

Rate (%)1

Points (%)

APR (%)*

Payment per $1000**

10 Year Draw/10 Year Repay

4.50%

0

4.50%

$3.70

(1) The rate is fixed for six months at 4.50% and then adjusts quarterly beginning in month six at the Wall Street Journal Prime Rate minus 0.25% (currently 5.250%) with a floor of 4.50% and a maximum of 18.00%. The maximum Annual Percentage Rate (APR) is 18%. Property insurance required. Flood insurance may be required.

Maximum loan-to-value of 80% unless otherwise noted. In some instances, loan-to-value may exceed 80% with private mortgage insurance.
All ARM product rates may increase after loan origination.
Rates and points are subject to change at any time prior to commitment and may change depending on the circumstances of the specific transaction.
(‡) Includes New and Used Multi-wide Manufactured Housing permanently affixed to owned land and may include term and loan to value restrictions.
* APR = Annual Percentage Rate. Annual Percentage Rate is based on $100,000 loan amount with a 20% down payment and the maximum term. Loans with less than a 20% down payment require private mortgage insurance.
** Payment may be higher if escrows for property taxes and insurances are applicable.

Mortgage rates can change daily, and vary depending on the borrower’s financial situation, including down payment and credit score. The rates presented above are based on a variety of assumptions and conditions, and may differ from buyer to buyer.

Buying a home is a large investment, and the loan experts at Union Bank are here to help you make the most of your money by guiding you through the loan process. For more than 100 years, we’ve been dedicated to providing financial expertise and excellent service to our customers across Vermont and New Hampshire. We’re proud to be the leading bank for mortgage loans in the entire state of Vermont. Whether it’s your first time buying a home, refinancing your residence, or investing in a secondary property, we are here to assist you. If you have questions, contact our team of knowledgeable professionals to learn more about our mortgage interest rates and our other lending services.

When you’re ready, use our Online Mortgage Application to get started.

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